Crash to desktop at 43% of the terrain loading stage, can't be casued by FSDT Zurich, because it's a problem in the underlying FS9 scenery.
Most likely cause, is that something you installed, has altered one of the default FS9 scenery files and, the proper way to uninstall something that does this, is not simply remove its files, but also *restore* the original default files that were altered, which can be difficult if the scenery doesn't have a proper unisntaller that does this automatically (provided it made a backup, if it had a proper installer...)
I'm afraid it would be difficult to find the affected file, without reinstalling FS9 ( and the 9.1 update )